Commercial Property Insurance

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Because of the type of insurance product you are interested in can be complicated, please fill out this quick contact form and we will connect you with a local Cote Agent who will assist you in obtaining your quote.

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Commercial Property Insurance

One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or man made disasters are examples of what is typically covered.

NEW YORK STATE

What To Know About Commercial Property Insurance

A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Cote Insurance can help you determine the type of insurance policy and range of coverage that is best for your business.

Building

Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs? Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building.

Business Personal Property

Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).

Business Income

This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are being restored because of damage from an event, such as a fire. Business income insurance may also cover financial losses that occur if civil authorities limit customer access to your neighborhood or business after a disaster.

Electronic Data

This coverage is separate property coverage specifically designed to protect your computer related equipment. Most commercial property policies have limited coverage for computer networks. EDP broadens the causes of loss to include things like power surges and in some cases virus attacks.

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Cote Insurance Agency provides home, auto, business, life and many other types of insurance throughout New York State including Glens Falls, Queensbury, South Glens Falls, Corinth, Greenfield Center, Wilton, Gansevoort, Saratoga Springs, Ballston Spa, Clifton Park, Schenectady, Scotia and Rotterdam. We also cover the counties of Albany, Schenectady, Saratoga, Warren, Washington and Rensselaer.